Since the start of the real estate bust, foreclosures have been a persistent drag on the state's homeowners and economy. Experts see reducing foreclosures as key to getting the housing market back on track.
How to do that remains a matter of intense debate. State Atty. Gen.Kamala D. Harrisand advocacy groups have called for tougher reforms and more help for borrowers, while the banking lobby contends that lawmakers shouldn't intervene with what appears to be a market recovery.
The conflict over the foreclosure bills is a classic David and Goliath political struggle, said Derek Cressman, western states director for Common Cause, a government watchdog group.
"The underlying reality is that the banks and the mortgage brokers have the wherewithal to make significant campaign contributions," he said. "That puts the thumb on the scale."